:root {
  --navy: #0B1F3A;
  --navy-2: #12294A;
  --blue: #2F6BFF;
  --gold: #C8A75A;
  --off: #F6F7F9;
  --ink: #0A0F1A;
  --grey: #5B6675;
  --line: #E3E7ED;
  --max: 1120px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Montserrat", system-ui, sans-serif;
  color: var(--ink);
  background: #fff;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; }
.wrap { max-width: var(--max); margin: 0 auto; padding: 0 24px; }

/* Header */
.top { background: var(--navy); position: sticky; top: 0; z-index: 10; border-bottom: 1px solid rgba(255,255,255,.08); }
.top .wrap { display: flex; align-items: center; justify-content: space-between; height: 76px; gap: 24px; }
.top img { height: 40px; width: auto; }
.top nav { display: flex; align-items: center; gap: 28px; }
.top nav a { color: rgba(255,255,255,.82); text-decoration: none; font-size: 14px; font-weight: 600; }
.top nav a:hover { color: #fff; }
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  min-height: 48px; padding: 0 26px; border-radius: 4px;
  font-weight: 700; font-size: 15px; text-decoration: none; letter-spacing: .01em;
  transition: background .15s, color .15s, border-color .15s;
}
.btn-gold { background: var(--gold); color: var(--navy); }
.btn-gold:hover { background: #d6b76c; }
.btn-ghost { border: 1.5px solid rgba(255,255,255,.35); color: #fff; }
.btn-ghost:hover { border-color: #fff; }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-2); }
.top .btn { min-height: 42px; padding: 0 20px; font-size: 14px; }

/* Hero */
.hero { background: var(--navy); color: #fff; padding: 112px 0 120px; }
.eyebrow { font-size: 13px; font-weight: 700; letter-spacing: .22em; color: var(--gold); text-transform: uppercase; margin: 0 0 22px; }
.hero h1 { font-size: clamp(38px, 6vw, 68px); line-height: 1.05; font-weight: 800; letter-spacing: -.02em; margin: 0 0 26px; max-width: 880px; }
.hero p.lead { font-size: clamp(17px, 2vw, 20px); color: rgba(255,255,255,.78); max-width: 640px; margin: 0 0 40px; }
.cta-row { display: flex; flex-wrap: wrap; gap: 14px; }

/* Facts strip */
.facts { background: var(--navy-2); color: #fff; }
.facts .wrap { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); }
.fact { padding: 30px 24px 30px 0; border-right: 1px solid rgba(255,255,255,.1); }
.fact + .fact { padding-left: 32px; }
.fact:last-child { border-right: 0; }
.fact b { display: block; font-size: 16px; margin-bottom: 4px; }
.fact span { font-size: 14px; color: rgba(255,255,255,.65); }

/* Sections */
section { padding: 104px 0; }
.alt { background: var(--off); }
.head { max-width: 680px; margin-bottom: 56px; }
.head h2 { font-size: clamp(30px, 4vw, 44px); line-height: 1.12; font-weight: 800; letter-spacing: -.015em; color: var(--navy); margin: 0 0 16px; }
.head p { font-size: 18px; color: var(--grey); margin: 0; }
.eyebrow.dark { color: #9A7B33; }

.grid4 { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 24px; }
.card { background: #fff; border: 1px solid var(--line); border-radius: 6px; padding: 34px 32px; }
.card .num { font-size: 13px; font-weight: 800; color: var(--gold); letter-spacing: .12em; margin-bottom: 18px; }
.card h3 { font-size: 21px; font-weight: 800; color: var(--navy); margin: 0 0 10px; }
.card p { margin: 0; color: var(--grey); font-size: 15.5px; }

.steps { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 0; border-top: 2px solid var(--navy); }
.step { padding: 30px 26px 0 0; }
.step + .step { padding-left: 26px; border-left: 1px solid var(--line); }
.step .num { font-size: 40px; font-weight: 800; color: var(--gold); line-height: 1; margin-bottom: 18px; }
.step h3 { font-size: 19px; font-weight: 800; color: var(--navy); margin: 0 0 8px; }
.step p { margin: 0; color: var(--grey); font-size: 15px; }

.split { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 64px; align-items: start; }
.panel { background: var(--navy); color: #fff; border-radius: 6px; padding: 44px 40px; }
.panel h3 { font-size: 15px; letter-spacing: .18em; color: var(--gold); margin: 0 0 22px; text-transform: uppercase; }
.panel .row { display: flex; justify-content: space-between; gap: 16px; padding: 16px 0; border-bottom: 1px solid rgba(255,255,255,.12); font-size: 16px; }
.panel .row:last-of-type { border-bottom: 0; }
.panel .row span:first-child { color: rgba(255,255,255,.7); }
.panel .row span:last-child { font-weight: 700; text-align: right; }
.panel p { font-size: 14px; color: rgba(255,255,255,.6); margin: 18px 0 0; }
.ticks { list-style: none; padding: 0; margin: 28px 0 0; }
.ticks li { position: relative; padding-left: 34px; margin-bottom: 16px; font-size: 16px; color: var(--ink); }
.ticks li::before { content: ""; position: absolute; left: 0; top: 5px; width: 18px; height: 10px; border-left: 3px solid var(--gold); border-bottom: 3px solid var(--gold); transform: rotate(-45deg); }

.faq { max-width: 820px; }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { cursor: pointer; list-style: none; padding: 24px 40px 24px 0; font-size: 18px; font-weight: 700; color: var(--navy); position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 4px; top: 20px; font-size: 26px; font-weight: 400; color: var(--gold); }
.faq details[open] summary::after { content: "\2212"; }
.faq details p { margin: 0 0 24px; color: var(--grey); font-size: 16px; max-width: 720px; }

.contact { background: var(--navy); color: #fff; text-align: center; }
.contact h2 { font-size: clamp(30px, 4.5vw, 50px); font-weight: 800; letter-spacing: -.015em; margin: 0 0 18px; }
.contact p { color: rgba(255,255,255,.75); font-size: 18px; max-width: 600px; margin: 0 auto 36px; }
.contact .mail { display: block; margin-top: 22px; color: rgba(255,255,255,.7); font-size: 15px; }

footer { background: #07152A; color: rgba(255,255,255,.6); font-size: 14px; padding: 40px 0; }
footer .wrap { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 20px; }
footer img { height: 34px; width: auto; }
footer nav { display: flex; flex-wrap: wrap; gap: 24px; }
footer a { color: rgba(255,255,255,.75); text-decoration: none; }
footer a:hover { color: #fff; }

.chips { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 12px; max-width: 900px; }
.chips li { border: 1.5px solid var(--navy); color: var(--navy); border-radius: 999px; padding: 12px 22px; font-weight: 700; font-size: 15px; }
.chips li:last-child { border-style: dashed; color: var(--grey); border-color: var(--grey); }

/* Legal pages */
.legal { padding: 72px 0 96px; }
.legal .wrap { max-width: 780px; }
.legal h1 { font-size: 40px; font-weight: 800; color: var(--navy); margin: 0 0 8px; }
.legal .updated { color: var(--grey); font-size: 14px; margin: 0 0 40px; }
.legal h2 { font-size: 20px; font-weight: 800; color: var(--navy); margin: 36px 0 10px; }
.legal p, .legal li { color: #2A3340; font-size: 16px; }

:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; }

@media (max-width: 900px) {
  .steps { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .step:nth-child(3) { border-left: 0; padding-left: 0; }
  .split { grid-template-columns: minmax(0, 1fr); gap: 40px; }
}
@media (max-width: 720px) {
  .top nav a:not(.btn) { display: none; }
  .top .wrap { height: 66px; }
  .top img { height: 32px; }
  .hero { padding: 72px 0 80px; }
  section { padding: 72px 0; }
  .facts .wrap { grid-template-columns: minmax(0, 1fr); }
  .fact, .fact + .fact { padding: 20px 0; border-right: 0; border-bottom: 1px solid rgba(255,255,255,.1); }
  .fact:last-child { border-bottom: 0; }
  .grid4, .steps { grid-template-columns: minmax(0, 1fr); }
  .step, .step + .step { padding: 26px 0 0; border-left: 0; }
  .card { padding: 28px 24px; }
  .panel { padding: 32px 24px; }
  .wrap { padding: 0 16px; }
}